How much does Xero cost?
The Growing plan is USD 59 per month for the whole plan official list price.
Xero Limited · Small-business accounting. The licence is only part of the bill: the three worked examples below add implementation, integrations, internal time and support over 3 and 5 years. Prices verified 2026-10-11.
Licence prices
| Plan / licence | Price | Unit | Basis | Notes and source |
|---|---|---|---|---|
| Early Full users | USD 27 | per month (plan) | official | US list price after the introductory offer. Limited to 20 invoices and 5 bills per month. No per-user licence fees. Source (2026-10-11) |
| Growing Full users | USD 59 | per month (plan) | official | US list price after the introductory offer. No per-user licence fees. Source (2026-10-11) |
| Established Full users | USD 97 | per month (plan) | official | US list price. Adds multi-currency, projects and expense claims. No per-user licence fees. Source (2026-10-11) |
Monthly subscription that auto-renews until cancelled. Prices exclude tax. Introductory discounts (e.g. 80% off for 3 months in the US) are ignored in this calculator. UK prices differ (e.g. Grow £39, Comprehensive £55, Ultimate £70 per month excl. VAT); this site uses US list prices and converts them.
Typical total cost of ownership (USD)
Partner rate $150/hour, internal cost $60/hour, list prices, no discounts. Implementation, training, integrations and support are labelled assumptions; the low–high range comes from their ranges.
| Scenario | Year 1 | 3-year TCO | 5-year TCO | Largest cost |
|---|---|---|---|---|
| Owner-run business 1 user, simple setup, no integrations. Plan: Growing. Open in calculator | $3,843 | $5,417 $3,804–$7,224 | $6,991 $5,220–$9,150 | Licences / subscriptions (51%) |
| Small team 3 users, standard setup, 1 connector integration. Plan: Growing. Open in calculator | $13,233 | $17,701 $9,084–$26,784 | $22,169 $10,980–$34,290 | Integrations (41%) |
| Growing company 5 users, standard setup, 2 connector integrations. Plan: Growing. Open in calculator | $20,823 | $27,947 $13,764–$42,624 | $35,071 $16,140–$54,990 | Integrations (51%) |
What the price does not include
- Payroll (US: Xero Payroll powered by Gusto, from $36/month plus $6 per employee)
- Payment processing fees
- Inventory Plus and other App Store apps
- Accountant or bookkeeper fees
Cost comparisons
Further reading
- ERP licence types explained: per user, flat, platform and resource-based
- ERP price transparency: which vendors publish list prices
- Methodology: every price, source and assumption
FAQ
How much does Xero cost per user?
The default plan in our data, Growing, is USD 59 per month for the whole plan (official list price, checked 2026-10-11). Monthly subscription that auto-renews until cancelled. Prices exclude tax. Introductory discounts (e.g. 80% off for 3 months in the US) are ignored in this calculator. UK prices differ (e.g. Grow £39, Comprehensive £55, Ultimate £70 per month excl. VAT); this site uses US list prices and converts them.
What is the total cost of Xero over 5 years?
For our "Small team" example (3 users, standard setup, 1 connector integration) the estimated 5-year total is $22,169 (range $10,980–$34,290), of which licences are $3,540. It is an estimate based on labelled assumptions, not a quote.
What is not included in the Xero price?
Payroll (US: Xero Payroll powered by Gusto, from $36/month plus $6 per employee); Payment processing fees; Inventory Plus and other App Store apps; Accountant or bookkeeper fees.
Sources: www.xero.com, www.xero.com. Verified 2026-10-11. Full method and assumptions: methodology. Estimates, not quotes.